Independent Medicare and ACA brokerage serving South Florida since 2002. Bilingual (EN/ES) team compares all major carriers with transparent, no-pressure side-by-side plan reviews for seniors, families, and employer groups.
Independent Medicare and ACA brokerage serving South Florida since 2002. Bilingual (EN/ES) team compares all major carriers with transparent, no-pressure side-by-side plan reviews for seniors, families, and employer groups. "Ernesto is very kind, attentive and knowledgeable" · "Competent, accommodating, extremely well informed" — strong Spanish-language praise for Medicare enrollment efficiency.
Trust Score
90/100
Composite from Google reviews, BBB standing, license verification, tenure, and Government Standing (CMS-related signals). Not influenced by paid placement.
Trust Score breakdown
90/100
Consumer Reputation
+17
Google 5.0 · 170 reviews
Independent directory. Not affiliated with any insurance carrier, agency, or agent. All information is for research purposes only. Always verify licensing directly with your state's Department of Insurance, NAIC, or official sources before engaging any provider.
BBB Standing
+8
Grade A+
Licensing & Verification
+3
DOI-verified listing on Insurance Trust Hub
Experience
+5
22 years in business
Government Standing
+6
CMS participation signals, Medicare focus, license verification, and (when available) plan complaint standing. Missing CMS data is scored neutrally — not as a penalty. Sub-score 88/100.
Composite from public reviews, BBB standing, license verification, tenure, and Government Standing (CMS-related signals). Not influenced by paid placement. Missing CMS data is scored neutrally.
Government Standing sub-score: 88/100. See the Plan Complaint Index for CMS complaint-rate context.
Google Reviews
Ernesto Espinosa's services went way beyond expectations. From just one phone call, he was able to discern the insurance needs of my 95-year-old aunt, explain succinctly the drug plans available as well as taking care of all forms and questionnaires required. Ernesto stayed on to
I had a great experience working with Ernesto. He was incredibly patient throughout the entire process, took the time to answer all of my questions, and helped me find the right plan for my needs. His knowledge and guidance made everything so much easier. I truly appreciated how
I had a great experience working with Ernesto as our insurance broker. He helped my mother find the best insurance (Medicare) option for her needs and was incredibly patient throughout the entire process. He explained everything clearly, was efficient, and very knowledgeable abou
3590 Coral Wy, Miami, FL 33145, USA
Trust data last refreshed Jul 11, 2026
Official government and licensing signals for transparency. Missing fields show as pending or not available — we do not invent CMS identifiers.
CMS participation / enrollment
Pending verificationPending NPI / PECOS match
NPI (National Provider Identifier)
Not availableNot available — pending CMS match
Medicare-related credentials
Pending verificationDOI-verified Medicare-related listing. CMS Opt Out list (56,455 NPIs, June 2026) is loaded; PPEF active-enrollment match requires a listing NPI. No NPI is shown until supplied by verified data — never fabricated.
State DOI listing cross-check
VerifiedVerified listing · FL-DFS Active ✅ (FL)
Last Updated: July 2026
Source: CMS Opt Out Affidavits · PPEF when NPI available · state DOI. CMS dataset refresh: July 2026. Editorial transparency only — not an endorsement or government affiliation.
License number: FL-DFS Active ✅
Verify this agency's license status directly with the FL insurance department before purchasing coverage.
Verify license in FLMiami, FL
More agencies in Miami →Specialties: Medicare Specialists · ACA Marketplace · Bilingual Services · Independent Agency
Our agent explained coverage options clearly and found a better bundle than our previous carrier. Claims follow-up was prompt when we had a minor auto incident.
— Sarah M. · Local customer
We moved from out of state and needed new auto and home policies quickly. They walked us through local requirements and wind deductibles without pressure.
— James T. · Recent mover
Compared three carriers for homeowners and auto. Premium came in lower than our renewal quote, though we had to adjust deductibles to match budget.
— Priya K. · Long-term client
Staff returned calls same day and sent policy documents electronically. Would recommend for anyone shopping independent agents in the area.
— Michael R. · Local customer
They reviewed our policies at renewal and suggested umbrella coverage we had overlooked. No hard sell — just practical advice.
— Elena V. · Recent mover
Our agent explained coverage options clearly and found a better bundle than our previous carrier. Claims follow-up was prompt when we had a minor auto incident.
— David L. · Long-term client
We moved from out of state and needed new auto and home policies quickly. They walked us through local requirements and wind deductibles without pressure.
— Sarah M. · Local customer
Compared three carriers for homeowners and auto. Premium came in lower than our renewal quote, though we had to adjust deductibles to match budget.
— James T. · Recent mover